Side-by-side · Q2 2026 data
Montell Federal Credit Union vs P.H.I. Federal Credit Union
Metric by metric
| Measure | Montell Federal Credit Union | P.H.I. Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 20 |
| Loan quality | 32 | 100 (stronger) |
| Earnings | 57 (stronger) | 0 |
| Funding & liquidity | 50 | 92 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 32nd | 15th |
| Total assets | $4.5M | $4.9M |
| Deposits / shares | $3.4M | $4.5M |
| Capital ratio | 24.40% (stronger) | 6.97% |
| Problem loans | 2.04% | 0.00% (stronger) |
| Net charge-offs | -0.79% (stronger) | -0.13% |
| Return on assets | 0.94% (stronger) | -0.59% |
| Loans ÷ deposits | 117.1% | 68.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Montell Federal Credit Union has the higher TellerScore (66 vs 55). On the 6 directional measures above (where higher or lower is clearly better), Montell Federal Credit Union leads on 4 and P.H.I. Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.